The purpose of financial management is to achieve financial freedom, that is, to ensure that you can maintain a normal life through investment without working, not for a better life.

The purpose of investment is to increase your income, or the purpose of assets seems to be the same, but because of different purposes, strategies and means are different, so you must know what your purpose is.

Let's talk about personal finance.

I don't know about you. You basically need to do personal finance.

1. I need to know your monthly income (salary, bonus, savings income and other part-time income).

2. Your age This is to know what kind of strategy you are suitable for. For example, if you are under 30 and unmarried, then you have to accumulate a lot of money, and you can't afford the risk. Therefore, if you are over 35 years old and married, then your ability to resist risks is very strong, and there are many strategies, so I won't go into details.

3. Your family structure, marital status, parents' physical condition, and children's condition, etc.

In this way, we can make a complete financial planning, including cash planning, consumption planning, insurance planning and so on.

So you'd better find a professional financial planner, hehe.